bill: what does it do to uncertainty for business plans, stephen moore? >> this is one of the biggest problems of all, bill. i saw a rasmussen poll a couple weeks ago, showed something like 75 to 80% of small businesses don't understand this bill. they don't understand how it works. they're completely confused how the health care system is going to affect their bottom line. one of the things you have to remember, all of these popular features about the bill, 26-year-olds can get insurance under their parents health care system, free birth control, all of these other kinds of things, those actually, somebody has to pay for that, bill, right? there is no free lunch here. that is what we're seeing in the higher premium costs. what i think it will mean, people will lose their health insurance. they will not gain it. bill: i hope you're wrong about that. matt, i will of about you the last word because what the law talks about in some cases to have a federal review that controls the rate of increase. some states that is in place. other states it is not. and wha